Filed December 19, 2024
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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $18,575 | $81,276-77.1% | $155,574-88.1% | $80,925-77.0% |
| Participation rate | 42.3% | 66.2%-23.9pp | 78.2%-35.9pp | 67.7%-25.4pp |
| Annual return | 11.81% | 33.36%-21.6pp | 64.87%-53.1pp | 35.65%-23.8pp |
| Employer contribution / active EE | $441 | $3,103-85.8% | $4,676-90.6% | $2,756-84.0% |
| Participant deferral / active EE | $2,116 | $3,453-38.7% | $5,629-62.4% | $4,299-50.8% |
| Admin fee / account holder | $629 | $7,993-92.1% | $15,914-96.0% | $6,940-90.9% |